Company Borrowers

Gibraltar provides lower-middle market businesses nationwide the working capital they need to solve short-term capital challenges, seize growth opportunities or transition through performance fluctuations.

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We Provide

  • Facilities

    From $2 million to $20 million

  • Senior-Secured

    Revolving lines of credit and equipment term loans

  • Collateral-Driven

    Borrowing capacity with ability to provide stretch pieces

  • Greater Liquidity and Flexibility

    Than a traditional commercial bank loan

  • Financing for Companies With:

    • Limited operating history (early stage or corporate divestiture)
    • Negative cash flow (either pre-profit or distressed)
    • Sales fluctuations (cyclicality or seasonality)

Client Video

In a recent client video interview, Michael Fleischman, Chief Financial Officer of Digital Remedy, shared how working with Gibraltar Business Capital provided them with the flexibility they need in a lender.

Gibraltar works with private and public companies across all industries with target revenue between:

$10 MM – $100 MM

We also partner with businesses with seasonal peaks and valleys in revenue, customer concentrations or those with slow paying accounts receivable.

  • Acceptable Collateral:

    Accounts Receivable, Inventory, Machinery and Equipment

  • Transaction Types:

    Acquisition, Buyout, Refinance, Recapitalization or Growth

  • Special Situations:

    Beginning, Middle, or End of a Turnaround or Bankruptcy

Frequently Asked Questions

• Capital to US businesses that don’t qualify for traditional bank financing no matter what the reason
• Senior secured revolving lines of credit using A/R and Inventory to create the borrowing base
• Equipment term loans alongside revolvers
• Facilities up to $20MM
• Greater liquidity and flexibility than a traditional commercial bank loan

Case Studies

Buse Holdings

$4.5MM Credit Facility


$7.5MM ABL Line of Credit

Millard Lumber

$16MM Refinance


“In turnaround situations, finding a lender that is willing to lend on the strength of the assets themselves can be the only safe harbor available to this type of client. Gibraltar is one of the few lenders with depth of turnaround experience in the sub $10MM asset-based loan market.”Tim Hassenger, SierraConstellation Partners
“The acquisition of Bear River resulted in a need for a senior revolving line of credit that just did not fit traditional banking. Gibraltar was able to quickly and creatively provide a solution that allowed us to get to a close rapidly, which was important to support Bear River’s growth plans. They were responsive and easy to work with.”Jake Williams, Managing Partner, Catalyst Holdings
“We partnered with Gibraltar on two very different situations with tight timelines for two of our portfolio companies – an acquisition and a refinance of an existing bank loan. In both situations, I was very impressed by how quickly they were able to get up to speed, adjust to changing deal terms and get to close. The team also found ways to take calculated risks that opened up greater liquidity and less restrictive structures for our portfolio companies.”Jim Levitas, Lion Equity Partners